
Excite Credit Union Visa Travel Rewards
in Personal Credit Cards from Excite Credit Union
UnaffiliatedExcite Credit Union Visa Travel Rewards
in Personal Credit Cards from Excite Credit Union
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Purchase APR (Variable APR) | 9.90 - 19.24 |
Balance Transfer APR (Variable APR) | 11.90 - 21.24 |
Credit Score Range | 700 - 850 |
Annual Fee | N/A |
Excite Credit Union Visa Travel Rewards Review
Excite Credit Union Visa Travel Rewards is a rewards credit card issued by Excite Credit Union. If you're wondering whether Excite Credit Union Visa Travel Rewards is the right card for you, read on. This is everything you need to know to make a good choice.
- 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
- Competitive APRs. Excite Credit Union Visa Travel Rewards has a variable purchase APR that ranges from 9.90% up to 19.24%.
- 4% Balance transfer fee. Excite Credit Union Visa Travel Rewards charges a fee of 4% on balance transfers, if you transfer the balance within 25 days of opening the account. After the introductory period, the fee is 21.24%. For example, a balance of $1,000 could cost $40 in transfer fees.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, travel accident insurance, travel assistance, and fraud protection.
- Good or better credit required. You will have low approval odds if your credit score is below 700.
The Good | The Bad |
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Is there a Excite Credit Union Visa Travel Rewards cash back or rewards program?
Excite Credit Union Visa Travel Rewards offers a rewards program to its customers.
Rewards rate (all purchases) | N/A |
Max rewards rate | Earn 3,000 bonus points with $300 of net purchases within the first 60 days.x |
Annual rewards limit | N/A |
Does Excite Credit Union Visa Travel Rewards have a signup bonus?
Excite Credit Union Visa Travel Rewards doesn't offer a cash signup bonus.Does Excite Credit Union Visa Travel Rewards offer an annual loyalty bonus?
Excite Credit Union Visa Travel Rewards doesn't offer a cash loyalty bonus.What are the Excite Credit Union Visa Travel Rewards benefits?
Excite Credit Union Visa Travel Rewards provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Cellular Telephone Protection
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Excite Credit Union Visa Travel Rewards?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Excite Credit Union Visa Travel Rewards has lower than average purchase APRs.Excite Credit Union Visa Travel Rewards has a variable purchase APR that ranges from 9.90% up to 19.24%. The card has a variable balance transfer APR that ranges from 11.90% up to 21.24%. It also has a variable cash advance APR that ranges from 11.90% up to 21.24%. Note that late payments are subject to an APR of 17.49% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Excite Credit Union Visa Travel Rewards have an introductory APR offer on balance transfers?
Yes, Excite Credit Union Visa Travel Rewards offers an introductory APR rate on balance transfers of 0% for a period of up to 12 months.
Description | |
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Balance Transfer Fee % After Intro Period | 11.90 - 21.24 |
Balance Transfer Fee Intro Period | 25 days |
Balance Transfer Introductory APR | 0 |
Balance Transfer Intro APR Period | 12 months |
Balance Transfer APR | 11.90 - 21.24 |
Balance Transfer Fee % | 4 |
Does Excite Credit Union Visa Travel Rewards have an introductory APR offer on new purchases?
Description | |
---|---|
Introductory Rate | 0 |
Purchase Intro APR Period | 12 months |
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.
What are the fees for Excite Credit Union Visa Travel Rewards?
The following fees apply to Excite Credit Union Visa Travel Rewards:
Fees | Amount |
---|---|
Annual Fee | |
Foreign Transaction Fee | 3% |
Returned Payment Fee | up to $25 |
Late Payment Fee | up to $10 |
Does Excite Credit Union Visa Travel Rewards have a foreign transaction fee?
Excite Credit Union Visa Travel Rewards charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.Does Excite Credit Union Visa Travel Rewards report your account activity to credit bureaus?
Yes, Excite Credit Union Visa Travel Rewards reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Excite Credit Union Visa Travel Rewards
- Visit the Excite Credit Union Visa Travel Rewards website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
265 Curtner Ave.
San Jose,, CA 95125 - (800) 232-8669
- Visit Site
Other Services by Excite Credit Union

Availability
Feature Breakdown
Eligible In-Store Purchases (Points) | Starting at 1 |
Amazon Purchases (Points) | Starting at 1 |
Every Purchase (Points) | Earn 3,000 bonus points with $300 of net purchases within the first 60 days. |
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